I am on ssi Disability. I turn 65 in June. I also just got Humana health. So does it be change to SSI?? Or does my SSI -Disabiliy just go on til death.

Question

Eric Palmer · Accepted Answer

Your Humana health plan does not change your Social Security check. Humana is your health coverage, while SSI or SSDI is your monthly income benefit. The important question is which disability benefit you receive:
SSI (Supplemental Security Income): When you turn 65, it can continue as age-based SSI. You no longer need to qualify under SSI’s disability rules, but you must still meet its income, resource, and living-arrangement requirements. It is not automatically guaranteed for life if those financial circumstances change. SSA’s SSI rules
SSDI (Social Security Disability Insurance): It does not become SSI at age 65. It continues until your full retirement age, likely age 67, and then automatically changes to Social Security retirement benefits. The payment amount generally stays the same. SSA explanation
Some people receive both SSI and SSDI, so check your Social Security award letter or benefit-verification letter. If it says “Social Security Disability Insurance,” it is SSDI. If it says “Supplemental Security Income,” it is SSI. Also, because you just received Humana coverage, make sure you understand whether it is a Medicare Advantage plan, Medicaid plan, or both. Turning 65 may affect the type of Humana plan, but it should not simply stop your Social Security payment.

Michelle Setchell · Answer

To answer your question, we'll have to make a couple of assumptions first:
- If you’ve been receiving SSDI for at least 24 months, you’re already enrolled in Medicare Part A and likely Part B. This is automatic for SSDI recipients, regardless of age. 
 - Your Humana plan is likely a Medicare Advantage plan (Part C), which replaces Original Medicare (Parts A and B) and may include Part D (prescription drugs)

If these assumptions are correct, at age 65, your Medicare eligibility continues, but your SSDI benefits will probably convert to Social Security retirement benefits. The monthly payment amount typically stays the same, and your Medicare coverage is unaffected. You don’t need to take action for this conversion; the SSA handles it automatically:
 - Since you’re likely already enrolled in Medicare due to SSDI, turning 65 won’t require re-enrollment. Your Medicare Part A and Part B (or your Humana Medicare Advantage plan) continue seamlessly.
 - If you’re enrolled in a Humana Medicare Advantage plan, it remains active unless you choose to change plans.

That said, turning 65 triggers your Initial Enrollment Period (IEP) for Medicare (3 months before to 3 months after your 65th birthday, April–September 2025). During this period, you can:
 - Stay with your current Humana Medicare Advantage plan.
 - Switch to another Medicare Advantage plan.
 - Return to Original Medicare (Parts A and B) with or without a Part D plan.

I'd be happy to review the details of your specific situation with you to ensure that you get set up with the best plan(s) for your individual needs!

Charise Karjala · Answer

If you are on SSDI (Social Security Disability Insurance):

SSDI is an insurance program you earn by working and paying Social Security taxes.

When you reach full retirement age (currently 66–67, depending on your birth year), your SSDI automatically converts to Social Security retirement benefits.

You don't need to do anything — the switch happens automatically.

The amount of your monthly check usually stays exactly the same — it just becomes classified as "retirement" instead of "disability."

This change can sometimes affect things like work incentives or how other benefits are calculated, but it does not reduce your payment.

Jami Mead · Answer

Each case can be a little different. Since you are turning 65 in June, your benefits will not change until you reach full retirement age at 66 years and 10 months. Only people who were born before 1937 reached full retirement at 65. Once you reach 66 and 10 months, your benefits will change from Social Security Disability Insurance to Social Security retirement benefits. You will not have to do anything for this change to take into effect, SSA will send you an update letting you know it is changing to retirement benefits when it is time. Depending on how long you have been on Disability (if it is less than 2 years) at age 65 you may become eligible for Medicare if you have 40 credits (ten years of work experience) if you are not already receiving these benefits. You can always contact your local Medicare Specialists to determine your case.

Answered by Jami Mead on April 28, 2025

Broker Licensed in OH, FL, GA & 11 other states

Answered by Jami Mead Medicare Insurance Agent

Greg Giordano · Answer

If you are receiving Social Security Disability (SSDI) benefits and are turning 65 in June, here's how your benefits will be affected:
Your disability benefits will automatically convert to retirement benefits when you reach your full retirement age. The monthly amount you receive will not change when your benefits convert from disability to retirement benefits.
You are not required to take any action when this conversion happens; the Social Security Administration (SSA) will handle the change automatically. Your Medicare coverage will continue without interruption if you are receiving SSDI when you reach full retirement age.

Linda Davies · Answer

Well happy 65th birthday and welcome to Humana. Enrolling in Medicare will not automatically change your SSI status, but it can affect your eligibility for certain benefits. If you receive Social Security Disability Insurance (SSDI) and enroll in Medicare after receiving benefits for 24 months, it won't affect your SSDI payments. However, if you are receiving SSI, it's important to understand that SSI eligibility and Medicare eligibility are separate. While SSI doesn't qualify you for Medicare on its own, many people receiving SSI may also qualify for Medicaid and, in some cases, Medicare if they also receive SSDI benefits or meet other Medicare eligibility criteria.

Answered by Linda Davies on July 3, 2025

Agent Licensed in IL

Answered by Linda Davies Medicare Insurance Agent

Timothy Brown · Answer

No, when a person receiving Social Security Disability Insurance (SSDI) turns 65, their benefits don't automatically switch to Supplemental Security Income (SSI). Instead, their SSDI benefits usually convert to regular Social Security retirement benefits. This conversion typically happens at the person's full retirement age, which is 66 or 67 depending on their birth year.

Answered by Timothy Brown on April 28, 2025

Broker Licensed in PA, CT, DE & 15 other states

Answered by Timothy Brown Medicare Insurance Agent

Hannah Skinner · Answer

SSDI does not switch to SSI when you turn 65. It will however convert to Social Security Retirement benefits, but your monthly amount will likely stay the same aside from the Part B & D premium deductions.

Answered by Hannah Skinner on August 7, 2025

Broker Licensed in SC, AL, AR & 44 other states

Answered by Hannah Skinner Medicare Insurance Agent

Diana Pedersen · Answer

Sometimes these two programs, Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI), are confused with each other. They are both managed by the Social Security Administration, yet are different programs. 

SSI is available for those 65 or older with or without a disability and at any age for those who are blind or disabled with no work history requirement. SSDI is available for those who are disabled and have sufficient work history to qualify.

It is possible to receive payments from both programs if the amounts of both are small enough. SSDI payments cause a reduction in the amount of SSI. If the SSDI payments you receive are high enough, this can disqualify you from getting SSI payments.

Maria Pantall · Answer

Your SSI disability won’t stop. When you turn 65, you’ll get Medicare based on age, and your SSI continues unless your income or resources change.

Andre Graham · Answer

Hi,

Your SSI disability benefits will continue as long as you continue to meet Social Security's disability eligibility requirements.

If you currently have a Humana Medicare Advantage plan, your coverage should continue uninterrupted unless Humana discontinues that specific plan in your area.

I'd be happy to review your Humana plan with you in October to go over any changes for the upcoming plan year and make sure it's still the best fit for your needs. During that review, I can also answer any questions you have and explain your benefits in detail.

Contact me; I look forward to helping you!

Fred Manas · Answer

Your SSDI benefits don't simply stop when you get older. Instead, they smoothly convert to retirement benefits when you reach your full retirement age. This conversion happens automatically, and most importantly, it won't change the amount of money you receive each month.

Answered by Fred Manas on June 27, 2025

Agent Licensed in NY, CT, DC & 7 other states

Answered by Fred Manas Medicare Insurance Agent

Gary Church · Answer

First, how long have you been on SSI? If it's longer than 24 months, you should have been enrolled in Medicare. Once you turn 65, you'll have another opportunity to choose a Medigap or a MAPD plan. Your SSI will be replaced with Social Security.

Answered by Gary Church on November 25, 2025

Broker Licensed in CA, AZ, NV & TX

Answered by Gary Church Medicare Insurance Agent

Nichole Wright · Answer

Usually once you are eligible for retirement benefits Social Security Disability income converts to Social Security Retirement income. There are different programs though so it is best to check with Social Security Administration directly to know for sure what applies to your situation

Answered by Nichole Wright on July 9, 2025

Broker Licensed in CO

Answered by Nichole Wright Medicare Insurance Agent

Todd Bostic · Answer

On your 65th birthday, it no, your disability doesn’t go until death, once you turn 65, your disability will change to regular social security benefits and you can enroll in a Medicare Supplement or Medigap starting 6 months before your 65th birthday.

Answered by Todd Bostic on September 15, 2025

Broker Licensed in TX, AL, AZ & 12 other states

Answered by Todd Bostic Medicare Insurance Agent

Kristen Skinner · Answer

If you are on SSI Disability you can be eligible for Medicare in 2 years. However, if you are already on medicare at age 65 you can change your medicare plan because you are in your Initial Enrollment Period which is guaranteed issued. So if you want to look at different options for medicare I would do it while you are in the 7 month Initial Enrollment period. On the payouts for disability, I would contact the Social Security Office.

Answered by Kristen Skinner on October 9, 2025

Broker Licensed in OK

Answered by Kristen Skinner Medicare Insurance Agent

Kristine Gurley · Answer

Yes, your SSI-D will change to Retirement SSI when one turns 65 years of age. Even though you are on a Humana plan under SSI-D you get a secondary Initial Enrollment Period to re-evaluate your plan options and make change if needed. This is a good time to look at all your options.

Answered by Kristine Gurley on June 23, 2025

Broker Licensed in MS, AL & LA

Answered by Kristine Gurley Medicare Insurance Agent

Vachik Chakhbazian · Answer

Your SSI will continue as long as you meet the financial requirements (income and resource limits).  It can continue for life unless your income, assets, or living situation change.

Brady Haffner · Answer

SSI disability continues for life. At 65 it becomes SSI-Aged; no automatic switch unless SSDI. always talk with a local broker that can help you out.

Leisha Stevens · Answer

Hello, is Humana Health a Medicare Advantage plan? Also, for the rest of your question, you have to call Social Security; they determine when disability payments change from one status to another.

Natalee Nimmo · Answer

That would be a social security question. Some people change to SSA payments when they turn 65 and others stay on SSD. It depends on several variables that only SSA can answer.

Raid Alemam · Answer

Your ssi benefits do not change when you turn 65 years it will have another name from disability to retirement benefits monthly payment will stay the same until death after death any payments issued should be returned.

Answered by Raid Alemam on October 23, 2025

Broker Licensed in TX, CA, CO & 7 other states

Answered by Raid Alemam Medicare Insurance Agent

Dee Ethridge · Answer

Good afternoon!  Your disability will change to regular ssi.  Once you turn 65 you can change your plan.  I'll be happy to help you with that or answer questions.

Blaine Shipe · Answer

Your SS Disability goes away and you go on straight SSI. Unless you had an industrial accident…then disability payments may continue separate from Social Security.

Sheila Dow · Answer

SSDi continues until your Full Retirement Age.  At that time you will convert to standard Social Security.   Your Medicare will remain intact.

Pamela Walton · Answer

If you have 40 quarters over your working years, and have Medicare A and B you will be eligible for an upgrade to another Humans Medicare plan or different carrier. As far as you Social Security Income, you should be eligible, but I recommend you contact the Social Security Administration directly for your case.

Answered by Pamela Walton on May 19, 2026

Broker Licensed in TX, AL, AR & 12 other states

Answered by Pamela Walton Medicare Insurance Agent

Terry Salak · Answer

Your SSDI will last as long as your medical condition prevents you from working or until you reach your "full" retirement age - which is currently 68 years old. At that point they will switch you to regular Medicare but you will keep your same MBI and Part A/Part B effective dates.

Answered by Terry Salak on May 5, 2026

Agent Licensed in FL, AL, AZ & 11 other states

Answered by Terry Salak Medicare Insurance Agent

Joseph Peck · Answer

At 65 you have other options that are available to you with your medicare coverage. Its good to go over with a professional to make sure you have the best coverage available for you.

Deborah Zanelotti · Answer

If you are collecting Social Security Disability Income (SSDI), you do nothing and it will automatically switch at your "Full Retirement Age", most are now between 66 & 67

Terri Reagin · Answer

It would be impossible for me to answer this question without further clarification from you personally. Feel free to call me or another agent in your area for clarification.